Health Insurance in Udaipur

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Health Insurance in Udaipur

Udaipur, also known as the Venice of the East, is a magnificent city in the Rajasthan state, loved for its serenity and tranquillity. It has beautiful picturesque locations and attracts hundreds of tourists throughout the year.

Just like every other city in this country, Udaipur city’s municipal corporation is looking for ways to improve the quality of life in the city by prioritising citizens' health. It is taking active measures to tackle the potent risks and improve the city life.

You can add a drop to this ocean by looking after your and your family’s healthcare needs. You can do this by opting for a healthier lifestyle and, most importantly, equipping yourself with the best medical insurance in Udaipur.

We at Tata AIG offer multiple health insurance plan options to suit everyone’s needs. Let us look into more details of healthcare options in Udaipur, its benefits and importance, and how to buy one.

Importance of Health Insurance In Udaipur

The rising stress among people living in major cities is resulting in an increase in the number of cases of people suffering from lifestyle diseases. Udaipur is no new to that. While being one of the most famous and loved tourist destinations, it is also exposed to pollution, and communicable and non-communicable diseases.

Health risks increase, especially in summers when the maximum temperatures go above 40 degrees. Thus, to avoid the financial burdens that come with the treatment of these illnesses, having a good health insurance plan is crucial. With the rising healthcare costs, changing lifestyles, and chronic illnesses, it is very important to have medical insurance plans that offer coverage to sustain the treatment costs along with a multitude of services.

Types of Health Insurance In Udaipur

At Tata AIG, we understand the varying needs of policyholders depending on their needs and budget. Thus, we offer different types of insurance which cater to specific requirements.

Individual Health Plan

It is a robust medical insurance policy that provides financial coverage for medical expenses required by a single policyholder. The coverage provided is for a wide range of medical expenses, including pre-and post-hospitalisation, hospitalisation, daycare procedures, road ambulance service, etc.

The premium rate for this type of insurance depends on various factors such as age, gender, pre-existing illness, lifestyle, insured amount, etc.

Family Health Insurance Plan

A family health insurance plan is the best mediclaim policy for a family in Udaipur, as the insured amount is shared among the family members. It covers the medical expenses of the entire family, including the spouse, children, and even the parents.

This plan is more affordable than buying an individual plan for every member of the family. Moreover, it offers instant financial assistance in critical situations.

Senior Citizen Health Insurance Plan

A senior citizen medical insurance plan, like our Tata AIG Elder Care, offers financial protection against many unforeseen events. It is designed exclusively for senior citizens above the age of 60 years.

It offers covers like in-patient treatment, AYUSH treatment, pre- and post-hospitalisation, ambulance expenses, and daycare procedures. This is the best health insurance for parents.

Critical Illness Plan

A standard insurance plan may not be adequate to cover expenses incurred while getting treatment for critical illnesses. In such cases, our critical illness plan works well. It offers cover for life-threatening critical illnesses such as cancer, kidney disease, etc.

Super Top-up Health Insurance Plan

Tata AIG Super Top Up Health Insurance Plan or the Medicare Plus plan enhances the coverage offered by your regular health insurance plan by adding the insured amount to your policy.

What Does the Best Mediclaim Policy in Udaipur Cover and Not Cover?

Before you buy any mediclaim policy in Udaipur, it is crucial that you know its inclusions and exclusions. These change with the different types of health insurance plans. So to choose the best one for you, your plan must cover the perils you require protection against.

Here are some of the common inclusions and exclusions applicable to Tata AIG health insurance plans.

Best Health Insurance Inclusions

Hospitalisation Expenses: Our health insurance plan in Udaipur covers the expenses incurred due to hospitalisation. This includes expenses like room rent, consultation fees, etc.

Daycare Procedures: Our plan also covers expenses related to procedures that require only a single-day admission. This includes more than 540 daycare procedures.

Pre- and Post-Hospitalisation: The plan also covers the pre-hospitalisation expenses of up to 30 to 60 days before the admission and post-hospitalisation of up to 60 to 90 days after being discharged.

Ambulance Charges: The ambulance services required for the safe transport of ill patients are also covered under our health insurance plans.

Pre-existing Illnesses: We also cover pre-existing illnesses such as diabetes, heart disease, etc. With that, you also get coverage for the medical treatment required for complications in pre-existing conditions.

Best Health Insurance Exclusions

Cosmetic Surgery or Plastic Surgery: Any type of cosmetic or plastic surgery is generally excluded from our health insurance plans. You can get a cover for plastic surgery only when a doctor recommends it as a part of treating an injury.

Pre-existing Diseases (before the expiry of the waiting period): You may not receive medical cover for expenses incurred due to pre-existing illness before the end of the waiting period.

Self-Inflicted Injuries: Our plans do not cover medical expenses for the treatment of self-inflicted injuries.

Preventive Treatment: We do not offer cover for preventive treatment such as vaccination, immunisations, etc.

How to Find the Best Health Insurance in Udaipur?

As the need for health insurance has increased, the number of health insurance companies in Udaipur has also increased. It has led to more confusion, and choosing a plan that fits all your requirements has become more important than ever.

Look for these factors when choosing the best health insurance in Udaipur:

Premium Rates

Before you buy health insurance in Udaipur, you must analyse your budget and understand how much you can spend on it. Once you have a budget in mind, look for plans whose premium rates fit in it.

Sum Insured

The next crucial part is to understand the total sum insured with the premium rates you can afford. Along with being affordable, it should also be adequate to support your financial expenses during a critical period.

Coverage Inclusions and Exclusions

It is essential to understand the features of your policy so make the best of it when necessary. You must be well aware of the inclusions and exclusions in your policy. These inclusions and exclusions determine whether your claim will be viable during the settlement period.

To avoid facing rejections and having cover for your healthcare needs, going through this list and comparing them with multiple health insurance companies in Udaipur is important.

Cashless Facility

A cashless facility can save you a lot of time and money and make the claim process convenient. So, when you look for health insurance in Udaipur, look for insurers that offer cashless facilities and have a wide network of listed hospitals.

Claim Settlement Assistance

You must also be aware of your insurer’s claim settlement ratio, customer support, and claim processes. This helps you determine its accessibility and convenience during claims processing.

Why Should You Buy Online Health Insurance in Udaipur?

Convenient: An online buying process gives you the benefit of comparing different health insurance companies in Udaipur before buying a plan. Additionally, since you can buy the plan of your choice from the comfort of your home, it makes the process convenient.

Faster Process: You can buy online health insurance in Udaipur without worrying about long queues and the hassle of documentation. This makes the buying process faster.

Get it Instantly: Once you decide to buy a specific health insurance product from us, you can get an estimate of premiums using our health insurance calculator tool and buy it within just a few minutes. Upon completing the process, you can access your health insurance almost instantly.

Get the Best Medical Insurance in Udaipur! - Why Choose Tata AIG?

Personalised Health Insurance Coverage

We offer various types of plans that are carefully designed to suit the varying budget and coverage needs. The coverages are personalised based on the specific needs and we offer additional benefits by customising your plan per your needs. You can choose from a wide range of our add-ons and enhance your coverage.

Cashless Claim

Financial burden during critical circumstances can overwhelm your decisions. To relieve some of your stress, we offer a cashless claim facility. This enables you to access your healthcare needs without worrying about paying for the expenses from your pockets.

Hassle-free and Quick Settlement Process

At Tata AIG, we offer a quick and easy claim settlement process. You can claim your insurance seamlessly by raising a request online and filling out a form along with minimal documentation. Furthermore, we have a high claim-settlement ratio of 96.70% during the financial year 2023-2024.

Save Big

You can save your hard-earned money by choosing from our plan options. For example, if you are looking for coverage for more people at an affordable premium rate, our Family Floater Health Insurance will serve this purpose.

Key Features and Benefits of Tata AIG Health Insurance Plans

Key Features and Benefits Details
Extensive Coverage We offer extensive coverage for pre- and post-hospitalisation expenses.
Paperless Policies Our process minimises the need for paper documentation and offers an online buying process.
Tax Benefits Under Section 80D of the Income Tax Act 1988, a health insurance plan helps in tax benefits.
Cumulative Bonus You can enjoy our cumulative bonus for every claim-free year. This can range from 10% to 100%.

Buying and Renewing Your Tata AIG Health Insurance Plans

You can buy or renew your Tata AIG health insurance policy seamlessly with just a few Steps. Here is a Step-by-Step guide to the process:

How to Buy Tata AIG Health Insurance in Udaipur

Step 1: Visit our Tata AIG official website.

Step 2: Go to the "All Products" tab on the homepage. You will find all the types listed under the “Health Insurance” tab. Click on Health Insurance to know more.

Step 3: Compare and learn more about all our health insurance products, and then select the one that suits you the most.

Step 4: Select the number of people you want to insure and click on “Get Plan”.

Step 5: Enter applicants’ details, such as name, DOB, mobile number, etc..

Step 6: Upload all the supporting documents as prompted on the screen.

Step 7: You will get a quote for a premium based on your input.

Step 8: If you are okay with the rate, complete the payment using your preferred mode and buy the policy.

How to Renew Tata AIG Health Insurance in Udaipur?

Step 1: Visit our official website.

Step 2: Click on the "Renewal" tab and go to the "Health Insurance" tab.

Step 3: Enter your policy number and click on "Renew".

Step 4: Provide the required details as requested.

Step 5: You will receive a premium rate based on your input.

Step 6: Complete the payment with your preferred mode and you will receive the renewed health insurance policy over email.

Documents Required to Buy Tata AIG Health Insurance in Udaipur

  • Proposal form with accurate information, duly filled and signed.

  • Proof of Identity (Aadhaar Card, Passport, etc.)

  • Proof of Address (Aadhaar Card, Driving Licence, Passport, etc.)

  • Proof of Income (Salary Slips, Income Tax Return Forms, Bank statements, etc.)

  • Cancelled cheque

How to File a Health Insurance Claim with Tata AIG in Udaipur?

You can claim your health insurance in two ways. You either opt for a cashless claim or a reimbursement claim. Let us look at how to claim your insurance in both ways.

How to File a Cashless Claim

Step 1: Visit our Claims Process page.

Step 2: Click on 'Initiate Claim' and select "Health". Step 3: Log in using your registered mobile number.

Step 4: Enter all the required personal information, select the claim type as “Cashless Claim”, and submit.

Step 5: We will verify your claim, and once it is approved you can directly go to one of our network hospitals. We will settle the bill directly.

**How to File a Reimbursement Claim?

Step 1: Visit our Claims Process page.

Step 2: Click on “Initiate Claim” and select "Health".

Step 3: Log into the system using your registered mobile number.

Step 4: Enter all the required personal information, select the claim type as “Reimbursement”, and submit.

Step 5: Upload all the necessary documentation, such as lab reports, prescriptions, bills, discharge summaries, etc., and submit the request.

Step 6: We verify the details thoroughly and reimburse the amount based on your policy terms and the sum insured.

**Documents Required for Reimbursement Claim

  • Medical reports and the certificate

  • Claim form with accurate information, duly filled and signed.

  • Health insurance policy document

  • Diagnostic Reports

  • Cancelled cheque

  • Proof of hospital discharge summary

  • Hospital Bills and Receipts

Where Can I Claim Cashless Treatment in Udaipur?

The cashless claim used to be limited to the network hospitals listed with the health insurance companies in Udaipur. However, with new guidelines issued by the IRDAI, you can apply for a cashless claim and get treated at any of the hospitals near you.

With Tata AIG’s, you do not have to worry about searching for network hospitals while you look for “health insurance me.” With the protection of a Tata AIG health insurance plan, you can go to any nearest authorised hospital and claim cashless treatment.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

Do I have an option of adding a Maternity Cover to my health insurance policy in Udaipur?

Do I have an option of adding a Maternity Cover to my health insurance policy in Udaipur?

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Yes, we offer maternity covers for expenses of up to ₹50,000 for each policy year.

Do I need to undergo a health check-up before buying Tata AIG health insurance for parents?

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No, you are not required to undergo a health check-up while buying our health insurance online.

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